HELOC rates remain below 8%, according to the analytics company Curinos. Another solid move lower could be in the works, as the Federal Reserve is expected to cut short-term interest rates again tomorrow. This may be a good time to get a HELOC. HELOC rates Tuesday, October 28, 2025 According to Curinos data, the average weekly HELOC rate is 7.75%, down more than a quarter point since the beginning of the year. This rate is based on applicants with a minimum credit score of 780 and a maximum combined loa ...